BlastPoint's Credit Union Scorecard
EXPEDITION
Charter #62964 · MN
EXPEDITION has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 5.2% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.84% below tier average
- - Efficiency ratio 16.65% above tier (higher cost structure)
- - Member decline: -4.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits -0.8% year over year ($201M in shares and deposits).
- Membership: 14,140 members, -4.6% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 0.03%.
- Efficiency ratio 93.39% vs a 76.73% peer average.
- Loan-to-share ratio 59.49% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,140
-4.6% YoY-0.6% QoQ
|
-1.0K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$223.5M
-0.5% YoY-0.9% QoQ
|
$-8.5M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$119.4M
-3.0% YoY+2.7% QoQ
|
$-26.8M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$200.8M
-0.8% YoY-0.9% QoQ
|
+$60K |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.0%
-111.4% YoY-121.0% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.6% in tier |
| NIM |
3.1%
+15.1% YoY+6.5% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
93.4%
-8.6% YoY-2.1% QoQ
|
+16.7% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.3%
+40.8% YoY+42.8% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
59.5%
-2.1% YoY+3.6% QoQ
|
-12.0% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$22,646
+3.1% YoY+1.0% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
22.7%
-1.1% YoY+0.4% QoQ
|
-1.9% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
11.9%
-28.7% YoY-10.3% QoQ
|
-1.7% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)